Heritage Land Bank

Land & Home Lending

Heritage Land Bank offers a full range of financing alternatives for farmers, ranchers, rural homeowners and other rural landowners.

Land & Home Lending – Mortgage financing for the purchase, refinance or improvement of:

From farms and ranches, country homes, home construction, nursery operations, poultry production, real estate improvements, and recreational property, to the timber industry, and Young, Beginning, and Small farmers (YBS), Heritage Land Bank offers a full range of financing alternatives to fit your needs.

Financing options include fixed and variable interest rates, and long-, intermediate-, and short-term loans. Make payments monthly, quarterly, semi-annually, or annually, and set repayment terms up to 30 years. Whether you need a mortgage to finance the purchase of rural real estate, or you need to refinance or improve upon existing rural property, Heritage Land Bank has a loan for you.

Country Homes

Heritage Land Bank finances country homes and home sites. Loans are available for home purchases and improvements, construction, home site purchases, and refinancing.

Farms & Ranches

Purchasing farm or ranch property, constructing buildings or fences, and clearing or improving land is possible with a loan from Heritage Land Bank. Debt refinance is also available.

Home Construction

Construction financing for your country home is available at Heritage Land Bank. Whether you’re building a primary residence or a weekend getaway, our construction-to-permanent-financing program provides efficiency in the building process with a single closing to save you time and money. Upon completion of your construction project, your loan automatically converts to permanent long-term financing.

Nursery Operations

Heritage Land Bank can finance your beginning or existing nursery operation. Financing is available for land purchases, greenhouse construction, irrigation tanks, and other capital improvements. Loans for operating expenses such as mulch, seed, plants, fertilizer, and containers can also be secured.

Poultry

Grow your poultry operation with a loan from Heritage Land Bank. Loans for land purchases, building construction, capital improvements, and equipment are available.

Real Estate Improvements

From dwellings, fencing, barns, and roads, to tank or lake construction and many other improvements, Heritage Land Bank has a loan to meet your purpose. Through our long-term lending, loans to improve farm or ranch property may be made with up to 30-year terms.

Recreational Property

Purchase the hunting lease of your dreams with a recreational property loan from Heritage Land Bank. Whether you hunt, ride four-wheelers, fish, or need land for horses, keep your family traditions alive while keeping your money in an investment for generations to enjoy.

Timber

Loans for land purchases, land improvements, reforestations, and harvesting equipment are available from Heritage Land Bank. Loans for timber industry operating needs including line of credit financing can also be secured. Heritage Land Bank offers loans for all phases of the timber industry.

YBS: Loan Programs for Young, Beginning, and Small Farmers and Ranchers

Young, Beginning, and Small (YBS) farmers and ranchers face significant obstacles in securing adequate capital. Heritage Land Bank provides a dedicated source for financing the future of America’s agricultural and aquatic production through support of YBS farmers and ranchers.

Heritage Land Bank YBS Loan Programs include the AgFast Loan Scoring Program, the 4H & FFA Loan Program, and Government Guarantee Programs. The Young, Beginning, and Small (YBS) Farmer/Rancher Programs exist in order to offer more financing options for farmers and ranchers who fit into certain categories. The YBS Program offers alternate financing and guarantee options for farmers and ranchers who are just getting started, as well as small or part-time operations.

What is a Young, Beginning or Small Farmer?

Financing to YBS operators is of utmost importance. The future success of America’s agricultural and/or aquatic production is dependent on adding and retaining a new generation of producers who are well trained in production and marketing and who have access to a steady source of financing.